Notes From Nonna

An Insurance Declaration Page (DEC Sheet) is usually the first page of your insurance policy and often summarizes your coverage by providing the following information:

Who is insured?

What is insured?

How it is insured (what type of coverage)?

How much it is insured for (policy limits)?

How long the insurance policy is valid for (effective and expiration dates)?

Looking through all the pages to understand the basics of your insurance policy would be complicated. The insurance DEC page provides the insurance policyholder with a basic overview of their insurance policy in one area so everything is clearly outlined as well as the costs associated with the coverage listed on the page.

The Insurance Declaration page is the most important part of your insurance policy because:

1. It dictates what insurance coverage you have and how your claim will be paid;

2. It tells you what the limits are for each section of the policy; and

3. It includes the premiums charged for the coverage you have purchased.

The declaration page is then followed by the second most important part of your policy, the policy wording which then defines each of the terms found on the DEC page and how they apply in a claim.

Our agents at Apron Agencies can help you review all the sections of your insurance DEC pages and make sure you understand what insurance you have and how well you will be covered in the event of a claim.

Apron Agencies, LLC

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